本文選題：農(nóng)村商業(yè)銀行 + 效率��； 參考：《東北農(nóng)業(yè)大學(xué)》2013年碩士論文

【摘要】：加快社會主義新農(nóng)村建設(shè)，逐步解決當(dāng)前我國城鄉(xiāng)二元經(jīng)濟(jì)體制存在的諸多弊端，提高農(nóng)民生產(chǎn)和生活水平一直是近年來黨和國家的重要使命。2004年到2012年連續(xù)8年的中央1號文件都把“三農(nóng)”問題作為首要問題提出，足見當(dāng)前農(nóng)村經(jīng)濟(jì)的發(fā)展對于我國社會主義建設(shè)的重要性。經(jīng)濟(jì)的發(fā)展離不開金融的支持，但當(dāng)前我國尚未形成完善的農(nóng)村金融體系，農(nóng)村金融供給嚴(yán)重不足，農(nóng)村經(jīng)濟(jì)發(fā)展受到一定的限制。因此大力發(fā)展農(nóng)村金融機(jī)構(gòu)，加快建設(shè)農(nóng)村金融體系就顯得尤為重要。農(nóng)村信用社作為農(nóng)村金融的重要力量，在我國農(nóng)村金融體系中占有重要的地位。然而隨著農(nóng)村信用社的不斷發(fā)展，其自身合作金融的種種問題變得越來越突出，導(dǎo)致農(nóng)村信用社不能夠很好的完成支農(nóng)的使命。因此許多學(xué)者開始研究農(nóng)村信用社的改革問題，逐步形成了農(nóng)村信用社由合作金融模式轉(zhuǎn)為商業(yè)金融的整體思路。農(nóng)村商業(yè)銀行就是在農(nóng)村信用社的不斷改革中誕生的，是農(nóng)村信用社改革后三種模式其中之一。 自農(nóng)村商業(yè)銀行出現(xiàn)以來，在我國農(nóng)村金融體系中發(fā)揮了越來越重要的作用。然而，農(nóng)村商業(yè)銀行成立時(shí)間較短，又是由農(nóng)村信用社改組而來，與其他商業(yè)性金融機(jī)構(gòu)相比，，在產(chǎn)權(quán)結(jié)構(gòu)、法人性質(zhì)、內(nèi)部控制與管理、金融技術(shù)和產(chǎn)品的創(chuàng)新以及人才引進(jìn)與培養(yǎng)等方面均存在一定的不同，因此如何讓農(nóng)村商業(yè)銀行這種金融機(jī)構(gòu)更好的發(fā)展就顯得尤為重要。 本文首先研究了農(nóng)村商業(yè)銀行的建立背景、特征與當(dāng)前中國農(nóng)村商業(yè)的發(fā)展現(xiàn)狀，試圖從宏觀的角度了解中國農(nóng)村商業(yè)銀行的整體情況，然后從效率的角度入手，通過數(shù)據(jù)包絡(luò)分析（DEA）的方法，選取了當(dāng)前中國資產(chǎn)規(guī)模最大和成立時(shí)間最長的12家具有代表性的農(nóng)村商業(yè)銀行為研究樣本，通過提取其財(cái)務(wù)報(bào)表的數(shù)據(jù)，測算了中國樣本農(nóng)村商業(yè)銀行2009年-2011年的綜合技術(shù)效率、純技術(shù)效率、規(guī)模效率、投入產(chǎn)出冗余以及3年來全要素生產(chǎn)率進(jìn)步指數(shù)等相關(guān)指標(biāo)，定量分析了當(dāng)前我國農(nóng)村商業(yè)銀行效率是否有效以及效率不足的原因，同時(shí)綜合以往學(xué)者的研究成果，運(yùn)用層次分析法（AHP）測算了影響中國農(nóng)村商業(yè)銀行運(yùn)行效率各因素的相應(yīng)權(quán)重，通過實(shí)證分析結(jié)果有針對性的提出了提高中國農(nóng)村商業(yè)銀行運(yùn)行效率的對策和建議。
[Abstract]:To speed up the construction of a new socialist countryside and gradually solve the many drawbacks existing in the current dual economic system of urban and rural areas in China. Improving farmers' production and living standards has been an important mission of the Party and the state in recent years. The first document of the Central Committee of the CPC Central Committee for eight consecutive years from 2004 to 2012 put forward the issue of "agriculture, countryside and farmers" as the primary issue. See the current development of rural economy for the importance of socialist construction in China. The development of economy can not be separated from the support of finance, but at present our country has not formed a perfect rural financial system, the supply of rural finance is seriously insufficient, and the development of rural economy is restricted to a certain extent. Therefore, it is particularly important to develop rural financial institutions and accelerate the construction of rural financial system. As an important force in rural finance, rural credit cooperatives play an important role in China's rural financial system. However, with the continuous development of rural credit cooperatives, its own problems of cooperative finance become more and more prominent, leading to the rural credit cooperatives can not complete the mission of supporting agriculture. Therefore, many scholars began to study the reform of rural credit cooperatives, and gradually formed the overall thinking of rural credit cooperatives from cooperative finance to commercial finance. Rural commercial banks were born in the continuous reform of rural credit cooperatives, is one of the three models after the reform of rural credit cooperatives. Since the emergence of rural commercial banks, they have played a more and more important role in China's rural financial system. However, the rural commercial banks have been established for a short time and have been reorganized by the rural credit cooperatives. Compared with other commercial financial institutions, the property rights structure, the nature of legal persons, the internal control and management of rural commercial banks, There are some differences in the innovation of financial technology and products as well as the introduction and training of talents. So how to make the rural commercial banks better development of financial institutions is particularly important. This paper first studies the background, characteristics and current development of rural commercial banks in China, tries to understand the overall situation of rural commercial banks in China from a macro perspective, and then from the perspective of efficiency. By means of data Envelopment Analysis (DEAA), 12 representative rural commercial banks with the largest assets and longest founding time are selected as the research samples, and the data of their financial statements are extracted. The comprehensive technical efficiency, pure technical efficiency, scale efficiency, input-output redundancy and total factor productivity progress index of the sample rural commercial banks in China from 2009 to 2011 are calculated. This paper analyzes quantitatively whether the efficiency of rural commercial banks in China is effective and the reasons for its inefficiency, and at the same time synthesizes the research results of previous scholars. This paper calculates the corresponding weights of the factors affecting the operational efficiency of China's rural commercial banks by using the Analytic hierarchy process (AHP), and puts forward some countermeasures and suggestions for improving the operational efficiency of China's rural commercial banks through empirical analysis.
【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.35

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